This short presentations outlines 5 insurance coverages that every restaurant should have on their policy.

1. 5 Essential
Insurance
Coverages
For Your Restaurant

2. Spoilage
● Covers the cost to replace food due to the
interruption of electrical service or breakdown
of a refrigeration system.

3. Food Contamination
● Food contamination coverage can:
– Replace contaminated food
– Cover costs for required cleaning of equipment
– Cover loss of income due to the shutdown
– Cover Medical tests or vaccinations for affected
employees
– Pay for advertising to help your business restore its
reputation

4. Business Income & Extra Expense
● Business Income covers the loss of income
suffered by a business when covered loss
causes a slowdown or suspension of in
operations.
● If Extra Expense coverage is included,
increased rent or relocation expenses may also
be covered.

5. Hired & Non Owned Auto
● Provides liability coverage on behalf of the
business for the use of a rented (hired) vehicle
or a vehicle that is not owned by the company.

6. Employee Dishonesty
● Coverage to protect against the theft of
property, money, or securities by employees